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    Home » What is Institutional Wealth Management?

    What is Institutional Wealth Management?


    Our style of asset management is often compared to the techniques used by large institutions, endowments and funds. We have the ability to actively and directly allocate capital to asset classes across a wide range of sectors and regions without incurring additional fund-related "expense ratios."

    Unlike the trading costs usually hidden inside many retail investment products (such as Mutual Funds), trading costs are fully transparent to our investors. Our Best Price and Execution Policy is public record and we do not "mark-up" the price of trades. 

    Our investments are held within unified managed accounts (UMA's) or separately managed accounts (SMA's) that are supervised by third-party custodians, such as Fidelity, Schwab and TD Ameritrade. The investments are managed directly by institutional-level investment managers on your behalf. These institutional professionals directly purchase a customized selection of securities for your portfolio, in accordance with your stated investment objectives and with the assistance of an investment adviser representative. These securities are registered in your name and traded on your behalf. The separate account structure can also provide clients with tax advantages when compared to retail mutual funds.


    Most institutional advisors and consultants develop and maintain a written Investment Policy for their institutional clients. This is typically a clear statement of your personal investment goals and guidelines against which performance goals can be measured.

    We will work with you to develop your own personal Investment Policy Statement (IPS) and will regularly review progress towards your goals, as you require.

    A clear definition of risks and costs, together with a forward-looking income plan and expenditure projection are generally contained within your customized Investment Policy Statement. If you need to achieve a stated long-term income level, this can be tracked within the IPS.

    For many retail investors, the full-time, professional managers who actually make the buy and sell decisions on their investments are not accessible. They generally receive secondhand information on how their life savings are being managed through a broker or advisor who may be sharing commissions and other fees with the managers of the fund in question. On the other hand, most institutions receive direct communications from their managers.

    As institutional managers, the investment team doesn't’t sit in an ivory tower. We respect and appreciate the trust you put in us to manage your life savings. We strive to regularly and clearly communicate our thoughts, actions and direction to you, our valued client.

    It just seems right to communicate clearly and directly. We know it makes many of our clients more comfortable, especially in times of volatility.


    In our opinion, asset allocation is the single most important factor in determining your chances of receiving an acceptable or unacceptable investment performance.

    Clients that receive institutional-level advice benefit from having professional, institutional asset managers and financial planners focusing on their overall allocation and the active movement of capital to attractive areas from unattractive ones.

    Clients within the retail financial system generally rely on their broker to dictate the percentage allocation to various asset classes. The broker, who spends a great deal of their time marketing and selling their financial services, is the same person who must keep up with the asset allocation decision. The professional asset management teams within large financial firms generally focus on manufacturing their own products or trading on their own behalf (proprietary trading). They may not share the same investment objectives as their clients.

    In our opinion, this is not an effective way to navigate the risks presented by today’s geographically diverse, fast-paced financial markets.

    Clients deserve full-time, institutional-level professionals working on their behalf and to be directly accountable when making the really important investment allocation decisions.


    Our goal is to offer institutional-level investment management to retail investors.

    We have partnered with the following Institutional Asset Managers: 

    Astor Investment Management
    Aviance Capital Management
    Bernstein Research
    Braver Capital Management
    Clark Capital Management Group
    Dana Investment Advisers
    Federated Investors
    James Alpha Management 
    News Fleet Asset Management 
    Ranger Global Real Estate Advisors
    State Street Global Advisors
    Vanguard Institutional

    The results of our rigorous investment management discipline are organized and varied by a range of partners including:

    The investment committee consists of investment professionals from the portfolio management team, research & analysis department, and the oversight committee.

    To schedule a time to discuss your financial future and the possible role of insurance and investments in your financial strategy, contact us at admin@pacificexcel.com or call us at (510) 217-8125 today!

    By contacting us, you may be offered information regarding the purchase of insurance and investments products.

    Contact Us Today!

    Phone: (510) 217-8125

    Fax: (510) 227-5931


    2413 Webb Ave. Suite B
    Alameda, CA 94501-2922

    Who We Are / Our Focus
    Nathan Sadowski
    We want to help you achieve your short-term financial goals today, while working toward your long-term goals for the future.
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    Investment Advisory Services offered through Global Financial Private Capital, LLC. SEC Registered Investment Adviser.

    Insurance Services offered through Pacific Excel Insurance Services, an Independent Insurance Agency, CA License # 0F91699

    Global Financial Private Capital has no affiliation with the website represented. Global Financial Private Capital is not responsible for their views and opinions, and makes no representations or warranties about the accuracy, reliability, completeness or timeliness of the content and does not recommend or endorse any specific information herein. Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Simply click on one of the general financial topics below and you'll find a selection of easy-to-use calculators about related financial topics. These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.